Unpopular opinion – Invest everything offshore When you’re bombarded with negative news about SA Inc and its prosects from every quarter, it takes courage to make up your own mind and not get sucked in by the naysayers. In 2020/2021 these doomsday pushers had a field day, and we are still coming across clients who …
Retirement planning is a decades-long journey Saving for retirement is a frustrating decades long journey and it can be hard to stay enthusiastic, especially when life happens. So-called forced saving (pension and provident schemes) in companies can be exasperating, especially if money is very tight at home, but in the long term, it can be …
Add Your Heading Text Here There have been a number of events and government proposals that have forced us to reconsider whether formal retirement savings, especially Retirement Annuities are still worth it. The Green Paper that was introduced and withdrawn a couple of weeks later is a case in point. This has been withdrawn and …
Withdrawn but not dead The recent the publication of the Green paper on Social Security and Retirement reform, introduced on 18 August 2021 and withdrawn on 31 August 2021 has caused despair with many taxpayers, already overtaxed and fed up with non-delivery of basic services from government – so let’s unpack it and dissect it, …
I’m sure I’m not alone in wanting this forsaken pandemic to be over and everything to go back to normal – Travel again, go to concerts or just see people without worrying that the great bottle of merlot you brought as a gift isn’t the only thing you left behind. I think it is pretty …
Investing in the New Normal – Post Covid19 No amount of planning could have predicted the hot-mess that 2020 has turned into, and we’re all going to have to keep on walking through it to the other side. That doesn’t mean we do nothing ( though, let’s face it, it might be exactly what we …
You have to think laterally In a low growth and volatile environment like we have right now (and frankly have had in RSA for a good 5 years) you need to think laterally about building wealth for the long term. If you break it down to its absolute basics, wealth is what you have left …
What are they all about? Prescribed Assets resurfaced during the pandemic as a possible way to fund government a couple of years back when it became apparent that taxpayer’s funds were being depleted faster than they could be collected. To refresh your memory, this is a proposed change to the ‘Regulation 28’ clause of the …
Let’s have a look at the facts Retirement annuities have come under scrutiny lately, mostly because of the government’s intention of reimposing ‘Prescribed Assets’ (which I have covered recently in a blog you can find HERE). Some authors and financial planners have gone as fa as to recommend that you retire from your RA immediately …
Unintended Consequences of the Pandemic Because governments around the world have been buffering the impact of the lockdowns on people and companies with various stimulus and support packages, the true economic consequences of the pandemic are going to take months to unravel, and if you look at the Stock Markets you’d be forgiven for thinking …
